Compare Prudent Pet Insurance

Comparison Fact Sheet
Updated 9/4/2024

To get the most from these sheets, please read the Guide to Pet Insurance first.



Company Info
Company Name Prudent
Also Known As / Affiliates / Partners  
Address 2211 Butterfield Rd
Downers Grove, IL 60515
Phone 1-888-820-7739
Website www.prudentpet.com
Plans That Provide Full Accident and Illness Coverage Essential and Ultimate *

(Other Accident/Illness plans may be available depending on state)
States Covered Available in all states
Underwriter and AM Best Financial Strength Rating Insurance underwritten by Markel Insurance Company and Markel American Insurance Company.

Markel Insurance Company has an AM Best Financial Strength Rating of "A" and an Outlook of "Stable" as of 9/4/2024.

Markel American Insurance Company has an AM Best Financial Strength Rating of "A" and an Outlook of "Stable" as of 9/4/2024.

For the most recent ratings go to: AM Best
Year Company Started 2018

 

Policy Basics
Policy Term 12 months
Effective Date The Effective Date will be listed on the Declarations Page of your policy after you apply and are accepted.
Enrollment Age Minimum age is 8 weeks

Maximum age is unclear
Cancellation Policy Ask for a current copy of their insurance policy so that you may review their cancellation policy
Waiting Period 14 days for illness

5 days for accidents

6 months for damage or rupture of cruciate ligaments, luxation of the patellas or other soft tissue disorders of the knee. This can be waived if your vet certifies that your pet does not have pre-existing conditions related to the knee.

**Waiting Periods can vary by state. See actual policy or contact Prudent Pet Insurance to confirm the waiting periods for your state.
Waiting Period for Cruciate Injury 6 months for cruciate injuries (see 'Waiting Period' section above)

**Waiting Periods can vary by state. See actual policy or contact Prudent Pet Insurance to confirm the waiting periods for your state.
Coverage When Travel Out of State or Country? You may visit any licensed veterinarian in the US, Canada and Puerto Rico.
Can the Price of the Policy Increase as my Pet Ages? Yes, the policy premium can increase as your pet ages. The premium may also increase due to inflation or other reasons.

Contact Prudent Pet Insurance for more information on when and by how much your premium may increase.
Does Coverage Stop Due to Age? No
What Happens when the Policy Renews? Chronic conditions will continue to be covered each year as long as you do not go over your Maximum Payout.

(See 'Max Payout' section below)
Can the Price of the Policy Increase if a Claim is Filed? No
Choice of Vet? You may visit any licensed veterinarian in the US, Canada and Puerto Rico.
Money Back Guarantee? There is a 30 day money back guarantee. They will refund your money in full as long as you have not filed a claim.

*May vary by state
Surcharge for Visiting a Specialist or Emergency Clinic? No
Referral needed to Visit a Specialist? No
Pre-certification Required? No
Additional Requirements **See actual policy or contact Prudent Pet Insurance for a complete list of the requirements you are expected to adhere to in order to maintain coverage.
Pet Insurance Policy Available for Pre-Purchase Review? Sample policy available online

 

What's Covered
Species Covered Dogs and Cats
Accident/Injury -
Baseline Coverage		 Covers diagnostics and lab tests, surgery, treatments, hospitalization, prescription medication.

Veterinary exam fee is not covered unless you purchase their addon.
Illness -
Baseline Coverage		 Covers diagnostics and lab tests, surgery, treatments, hospitalization, prescription medication.

Veterinary exam fee is not covered unless you purchase their addon.
Behavioral Therapy Coverage [INCLUDED] Behavioral Therapy is covered when administered through a veterinarian.

There is a maximum payout per year for behavioral therapy coverage. The amount depends the plan you select.

**See actual policy or contact the company for a complete description of what types of Behavioral Therapy are covered
Alternative Therapy Coverage [INCLUDED] Alternative Therapy is covered when recommended and overseen by a licensed veterinarian.

**See actual policy or contact the company for a complete description of what types of Alternative Therapy are covered
Pre-existing Conditions Policy Pre-existing conditions are not covered.

According to their sample policy on their website, pre-existing conditions are "... A Medical Condition which first occurred or showed clinical sign(s) before the effective date of this policy or which occurred or showed clinical sign(s) during the policy waiting period ..."

**See actual policy or contact Prudent Pet Insurance for a complete description of their pre-existing conditions policy.
Hereditary & Congenital Conditions Coverage [INCLUDED] Hereditary and congenital conditions are covered as long as they are not pre-existing and have not occurred during the waiting period.

These conditions are covered up to the Maximum Payout. (See 'Max Payout' section below)
Continual Coverage for Chronic Conditions [INCLUDED] Continual coverage for chronic conditions is included with the policy.

Chronic conditions are covered up to the Maximum Payout. (See 'Max Payout' section below)
Chronic Conditions Policy Chronic conditions are covered as long as they are not pre-existing and have not occurred during the waiting period.

Chronic conditions are covered up to the Maximum Payout. (See 'Max Payout' section below)
Cancer Coverage [INCLUDED] Cancer conditions are covered as long as they are not pre-existing and have not occurred during the waiting period.
Cancer Coverage Limits Cancer conditions are covered up to the Maximum Payout. (See 'Max Payout' section below)
Hip Dysplasia [INCLUDED] Hip Dysplasia is covered as long it is not pre-existing and has not occurred during the waiting period.

This condition is covered up to the Maximum Payout. (See 'Max Payout' section below)
Prescription Drug Coverage [INCLUDED]

**See actual policy or contact Prudent Pet Insurance for their full description regarding prescription medications.
Pregnancy Coverage In general, it is not covered, however:

"Treatment arising out of complications resulting from breeding, pregnancy or whelping will be covered if the date of breeding falls after the fourteenth (14th) day after the effective date of your initial policy"
Routine/Wellness Coverage [OPTIONAL]

Routine/Wellness Coverage is available for an additional fee.

**See actual policy or contact the company for a complete description of their Wellness Coverage
Vaccinations [OPTIONAL] - See Routine/Wellness Coverage above for details
Spay/Neuter [OPTIONAL] - See Routine/Wellness Coverage above for details
Dental Care (Routine) [OPTIONAL] - See Routine/Wellness Coverage above for details
Dental Care (Illness/Accident) [LIMITED COVERAGE]

They cover tooth extractions due to injury.

For dental illnesses, it is not clear which specific conditions and treatments are covered.

**See actual policy or contact the company for a full list of inclusions and exclusions.
Bilateral Conditions Policy If a cruciate or soft tissue injury to the knee happens on one side before they policy starts or during the waiting period, that condition will not be covered if it happens on the other side. Even if it happens after the waiting period.

In their sample policy it states that the following is an exclusion: "... any illness that is the same as, or has the same diagnosis or clinical sign(s) as any illness your pet had before the effective date of this policy or during the first fourteen (14) days beginning on the effective date of this policy." It is not clear whether or not this includes any conditions that can happen on both sides of the body.

For example: Will secondary glaucoma in the right eye exclude secondary glaucoma in the left? Primary glaucoma in one eye can have a higher risk of happening in the other eye, but this isn't always the case with secondary glaucoma.

**Contact the company for a complete list of medical conditions that are considered bilateral for the purpose of exclusion and for a complete description of their Bilateral Conditions Policy.
Coverage - Overview
(please read policy for full coverage details)		 Diagnostics and treatments due to illness and accidents

[Included] Cancer, Prescription Medications, Behavioral Therapy (with monetary limits), Hereditary/Congenital coverage, Alternative Therapy, Dental Illness/Accident (limited coverage), Continual Chronic Conditions Coverage (Refer to each category's section for limitations)

[Optional] Routine/Wellness Care, Routine Dental Care, Exam Fee Coverage (Refer to each category's section for limitations)

**See actual policy or contact Prudent Pet Insurance for a full list of inclusions, exclusions, limitations and conditions.
What's not Covered - Overview
(partial listing, please read policy for full details)
  • Pre-existing conditions
  • Accidents and illnesses that occur during the waiting period
  • Boarding
  • Grooming
...See policy for a complete listing

 

How The Policy Works
Reimbursement Choose from 70%, 80%, or 90%
Deductible Annual Deductible

Choose from $100, $250, $500, or $1000
Flat Deductible vs % Deductible Flat
Deductible Per Incident vs Annual Deductible Annual
How is Reimbursement Determined Reimbursement is based on Actual Costs

It is not clear if the reimbursements are calculated by taking the deductible first or the reimbursement percentage first.
Max Payout Annually Essential Plan
$10,000

Ultimate Plan
Unlimited
Max Lifetime Payout This plan does not have a lifetime maximum payout.
Max Payout per Incident This plan does not have a maximum payout per incident
Max Payout Based on Body System This plan does not have a maximum payout based on body system
Client Reimbursed or Vet Paid Directly You pay the veterinarian and then you are reimbursed after you file the claim.

 

Pricing
Approximate Monthly Costs Approximately $21.00 - $214.00 depending on your location, selected options, etc.

 

Additional Info
My Review Prudent Review
What are Customers Saying? PetInsuranceReview.com and Yelp.com

Check with your state's Department of Insurance to see if any complaints have been filed for this company.
Better Business Bureau bbb.org
Additional Info  

*The information in the above charts applies to Prudent Pet Insurance plans that cover illness and accidents. If your pet is only eligible for accident coverage, please contact Prudent for details on that policy.

**Disclaimer: These charts are created based on my research. While I do my best to stay current, information can change quickly. Also, terms and conditions can vary from state to state. Before buying a pet insurance plan, confirm all information by contacting the company or reading the most current policy for your state. We will not be held liable for errors or omissions. If you see something that is incorrect or needs clarifying, please let me know.

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